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My Home Reward Program

Serving customers and providing access to credit in our local communities.

Making Homeownership Affordable for Everyone


At Independent Bank, we are committed to serving our customers and providing access to credit in our local communities, that is why we are excited to offer the My Home Reward Program. Eligible purchase or refinance applicants in select neighborhoods could pay zero closing costs!* Maximum qualifying annual income of $100,000.
To see if your property qualifies for Independent Bank’s My Home Reward Program, please enter the home address you are inquiring about.

For questions and to get started, contact a mortgage loan officer today!

*Borrower’s fees covered by Independent Bank My Home Reward Program include processing, underwriting, appraisal, credit report, tax service, flood certification, settlement, lender’s title insurance, and recording fees — these fees may be limited based on individual product guideline limits. The closing fees on a $150,000 loan would currently equate to an estimated $2466 savings. Actual savings will vary based on individual loan amount. Eligible with conventional, FHA (Federal Housing Administration), VA (Veterans Affairs), USDA (United States Department of Agriculture)/Rural Development, Michigan State Housing Development Authority (MSHDA), Ohio Housing Finance Agency (OHFA), Detroit Home Mortgage, and Independent Bank Community Affordable programs. Both home purchase and home refinance transactions are eligible. Offer may not be combined with other down payment assistance programs.


Borrower is still responsible for standard expenses such as homeowners insurance, real estate taxes, homeowner association fees, transfer taxes, flood insurance, bond fees, owner’s title insurance, mortgage insurance, guarantee fee, state or city revenue stamps, survey, funding fee, administration fee, MTC (Mortgage Tax Credit) fee, subordination fee, real estate commission, administration fees or other fees to a real estate companies and all property inspections.


**Eligible properties must be located in an Independent Bank designated census tract. For Michigan and Ohio properties only. Speak with an Independent Bank loan officer today to determine if your property qualifies. Subject to standard loan underwriting guidelines and change without notice; other terms and restrictions may apply. Loans are restricted to owner-occupied, primary home, first-lien properties. Taxes and insurance are required. Maximum qualifying annual income of $100.000. Member FDIC. Equal Housing Lender.